Core Banking Solutions

Checking & Savings

The more efficiently your personnel handle Demand Deposit Account items, the more time they will have to better serve both customers and the Financial Institution. Core Banking handles the high volume of items associated with Demand Deposit Accounts with unmatched efficiency. Our Core Banking system reliably processes all items as they flow from teller windows, drive-ups, ACH, ATM Networks, telephone banking and online banking, and the Fed.

• Standard interfaces available for many deposit origination systems
• Includes Club Accounts and IOLA accounts (NYS)
• Built in transaction interfaces for proof machines and check imaging systems, FedLine®, Electronic Cash Presentment, ACH, EFT networks, online banking and telephone banking systems
• Online real time transaction authorization interfaces available to EFT Networks, online banking and telephone banking systems
• Creates cycle sorts (bulk filing) for non-image based item processing systems, creates EIP files for image and non-image based item processing systems, Processing for image statements
• Full float capture and analysis by account
• Backdated transaction capability
• Optional combined or single statement at customer level, Descriptive statements
• Overdraft loan protection available; Discretionary overdraft capability available
• Transactions can be memo posted on accounts at teller station; Memo posting after teller cutoff carried to next business day; real time available balance
• Automatic transfer capability between DDA, Savings, Loans (pmts) and CD's; Same day sweeps between deposit accounts and LOCs.
• User defined customer service charge routines; Business (single and multiple) account analysis
• Tiered rate structure for interest bearing DDA and Savings accounts
• Online NSF processing; NSF notices printed after pay/no pay decisions are made
• Includes Positive Pay module
• Multiple signature designation at account level - display signature cards
• Easily manage Stops and Holds - Hold capability on POS pre-authorizations
• Message archiving at the Customer Information File and account level
• User defined fields - multiple types
• Includes customer account reconciliation module
• Online history - display check images
• Year-end processing and forms printing.
• Federal backup tax withholding
• Automatic interface to Core Banking System's General Ledger
• And more